The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$61,301
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,937/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$69,109
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$1,855/mo
Today · 4.125%
HK$71,881
baseline
▲ 0.50% · 4.625%
HK$75,670
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,762/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,325/mo
Today · 4.125%
HK$78,174
baseline
▲ 0.50% · 4.625%
HK$82,931
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,348/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,836
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,031
−HK$2,226/mo
Today · 4.125%
HK$86,257
baseline
▲ 0.50% · 4.625%
HK$90,804
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,514/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,821
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,491
−HK$2,712/mo
Today · 4.125%
HK$91,203
baseline
▲ 0.50% · 4.625%
HK$96,752
+HK$5,549/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,406/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,475
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,036
−HK$2,597/mo
Today · 4.125%
HK$100,633
baseline
▲ 0.50% · 4.625%
HK$105,938
+HK$5,305/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,266/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,342
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,774
−HK$3,487/mo
Today · 4.125%
HK$117,261
baseline
▲ 0.50% · 4.625%
HK$124,396
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,522/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,754
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,046
−HK$3,340/mo
Today · 4.125%
HK$129,386
baseline
▲ 0.50% · 4.625%
HK$136,206
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,772/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,542 · Scale 2, in force from 26 Feb 2026)